Are American Muslims exempt from the requirement to purchase health insurance under the individual mandate of the Patient Protection and Affordable Care Act (PPACA)?
There has been a lot of talk, and a number of Internet rumors, to the effect that Muslims are exempt from the PPACA's individual mandate; that Muslims will get free health care under the PPACA, while the non-Muslim population of the United States will be required to purchase government administered health insurance. Therefore, according to rumor, non-Muslim Americans will be paying for American Muslims' health care; in other words "dhimmitude." There is even a rumor that the word "dhimmitude" –used to denote subservience to Islam by non-Muslims, is actually used—on p. 107 of H.R. 3590 of the PPACA bill.
The rumors of free health care for Muslims are based on Shariah law's prohibition on insurance. Insurance violates the tenets against riba (interest); al-maisir (gambling) and al-gharar (uncertainty). Interest paid on insurance investments violates Shariah's rules against usury. Thus, under a strict interpretation of the Koran, Muslims are exempt from ObamaCare. However, the talk and the rumors are false—the word "dhimmitude" isn't used anywhere in H.R. 3590, and depending on how PPACA rules are applied, there is at least an even chance that the scenario of American Muslims being exempt from the requirement to purchase insurance under the individual mandate won't play out.